12
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) LIFE-2660 10/19 Life insurance that rewards healthy living PROGRAM OVERVIEW

Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

  • Upload
    others

  • View
    3

  • Download
    0

Embed Size (px)

Citation preview

Page 1: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)LIFE-2660 10/19

Life insurance that rewards healthy living

PROGRAM OVERVIEW

Page 2: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Get more out of your life insurance

INSURANCE PRODUCTS:

Not FDIC Insured Not Bank Guaranteed May Lose Value

Not a Deposit Not Insured by Any Federal Government Agency

At John Hancock, we want to help you live a longer,

healthier life. It’s why we introduced John Hancock

Vitality, a new kind of life insurance that protects

your financial future while offering significant

savings and rewards for living healthy.

Whether you enjoy healthy living today

or simply aspire to live healthier, there

are two versions of the John Hancock

Vitality Program to support you

along the way:1

Vitality GO and Vitality PLUS

Page 3: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

1

Vitality GOHealthy living tips, resources, and rewards to get you goingYou can experience the John Hancock Vitality Program and live healthier with Vitality GO. That’s because this basic “be healthy” version of the program is included on all our products – at no additional cost.

• Amazon.com Discounts With Vitality GO, you can win $10 off a purchase of $20 or more from Amazon.com for your healthy achievements.

• Healthy Gear Discounts from REI Get a 15% discount on electronic gift cards from Vitality to purchase outdoor gear from REI.2

• Wearable Device Discounts Get a 25%-40% discount on selected fitness devices from Fitbit®, Polar, or Garmin. You can also link these devices to your Vitality account to automatically earn Vitality Points.

• Tufts Health & Nutrition Letter and Live More Magazine You’ll receive complimentary access to the Tufts Health & Nutrition Letter, a publication dedicated to helping people live healthier, longer. You’ll also receive online access to Live More magazine, an exclusive publication for John Hancock Vitality members.

We’re so sure you’ll enjoy the Vitality GO experience, you can upgrade to Vitality PLUS at any point in the first 25 months. You can even transfer your Vitality GO Status and Points

to Vitality PLUS and earn annual premium savings of up

to 15%, along with other great rewards and discounts.

Vitality GO is not available with policies issued in New York, Washington & Puerto Rico.

1JOHN HANCOCK VITALITY

Page 4: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Vitality PLUS Enjoy significant premium savings and rewards for living healthy!You can add Vitality PLUS to your policy for as little as $2.00 a month3 and enjoy all the benefits of the John Hancock Vitality Program, including:

+ Up to 15% in annual premium savings4

+ The opportunity to earn an Apple Watch® Series 5 or Series 3 for as little as $255 by exercising regularly or get a complimentary Fitbit device

+ A one-year Amazon Prime membership when you reach Platinum status three years in a row

+ Up to $600 in annual savings on the healthy food you buy6

+ Exclusive discounts at more than 350,000 eligible properties around the world with Hotels.com

+ Entertainment and shopping discounts from name brands like Amazon.com, REI, Starbucks, and more

+ A free subscription to Headspace®, a top-rated meditation app7

+ An easy-to-use app and website with health-related resources, including the Tufts Health & Nutrition Letter, Live More magazine, webinars, and financial fitness tips

Vitality PLUS members take an average of 9,323 steps per day,8 compared to 5,000 steps for the average American.9

2 JOHN HANCOCK VITALITY

Page 5: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

HealthyMind BenefitYou’ll be rewarded for taking the 30-day sleep challenge and meditating as little as 10 minutes a day. Earn Vitality Points, manage stress and live healthy. You also get a free subscription to Headspace,7 a top-rated meditation app with millions of users in more than 190 countries.10

Free Health CheckMonitor your health with a free screening and personalized report from Quest Diagnostics.® You can visit one of 2,200 Patient Service Centers nationwide. We’ll automatically record your results, allowing you to earn even more

Vitality Points.

Exclusive Discounts from Hotels.comYou can earn discounts of up to 50% at more than 350,000 eligible properties around the world with Hotels.com. And the higher your Vitality Status, the

more you can save.

Amazon Prime MembershipEnjoy a one-year Amazon Prime membership when you reach Platinum status three years in a row. Prime members get FREE fast shipping for eligible purchases, streaming of movies, TV shows and music, exclusive shopping deals and selection, unlimited reading, and more.

Complimentary Fitbit & Wearable Device DiscountsYou can also get a complimentary Fitbit device instead of Apple Watch when you become a member. Or if you prefer a different wearable device, you can earn a 25%-40% discount on

another style of Fitbit, Polar, or Garmin.

HealthyFood™ BenefitYour healthy food choices can save you up to $600 a year (or $50 a month) — at 16,000 stores nationwide, including Walmart® and 70 NutriSavings™ grocery chains. Get access to helpful nutrition tips and the Tufts Health & Nutrition Letter.6

After registering

for the program and completing the Vitality Health Review (VHR), you can order an Apple Watch Series 5 or Series 3 for as little as $25. Over the next 24 months, you’ll make small monthly payments based on the number of qualifying workouts completed. Earn 500 Vitality Points from Standard or Advanced workouts and you’ll pay nothing for that month!5

If you have a John Hancock Term with Vitality policy with a face amount less than $2,000,000, you are only eligible to earn an Apple Watch or get a complimentary Fitbit device, wearable device discount, a 10% HealthyFood discount, the HealthyMind benefit, the free subscription to Headspace, a 15% healthy gear discount, shopping and entertainment discounts, and a free health check in the first program year only.

Celebrate healthy living with rewards and discounts

Shopping & EntertainmentYou’ll be rewarded for your healthy successes with gift cards, movie tickets, and other prizes. The more you accomplish, the more opportunities you’ll have to earn rewards from these and other leading retailers.

Healthy Gear DiscountsEarn a 25% discount on electronic gift cards from Vitality to purchase outdoor gear at REI. From backpacking to cycling to staying in shape, REI has the equipment you need to take your training to the next level.2

3JOHN HANCOCK VITALITY

Page 6: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Vitality members have earned more than 275,000 rewards, valued at over $2.7 million.8

Small changes make a big difference with Vitality GO and Vitality PLUSIt’s easy to achieve your healthy goals with John Hancock Vitality. That’s because small changes make a big difference when it comes to your overall health. It’s as simple as taking the stairs instead of the elevator, choosing a healthy snack, or finding a few minutes to meditate each day.

IT’S EASY AND FUN

Earn Vitality Points

You’ll earn Vitality Points for the everyday things you

do to be healthy, like walking, exercising, or buying

healthy food.

Achieve a Vitality Status

Each year, the number of Vitality Points you accumulate

will determine your Vitality Status (Bronze, Silver,

Gold, or Platinum).

Get rewarded

The higher your Vitality Status, the greater your

rewards and discounts.

4 JOHN HANCOCK VITALITY

Page 7: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Two great John Hancock Vitality Program options to choose from!

Vitality Rewards and Discounts Vitality GOCOMPLIMENTARY

Vitality PLUS$2 PER MONTH3

Annual Premium SavingsSave up to 15% on your annual life insurance premium4

Apple Watch Series 5 or Series 3Earn Apple Watch for as little as $25 by exercising regularly

Free Fitbit Device

Fitness Device Discount (Fitbit, Garmin, Polar)

Amazon.com Gift Cards11

Amazon.com Discounts

Amazon Prime Membership12

Shopping and Entertainment Gift Cards

Healthy Gear Discounts 15% 25%

Hotels.com Discounts

Free Health Check

HealthyFood Benefit Up to $600 in annual savings at the grocery store

25%

HealthyFood Benefit – Vitality Points

HealthyMind Benefit – Vitality Points

Free Subscription to Headspace

Free Subscription to Tufts Health & Nutrition Letter

Free Subscription to Live More Magazine DIGITAL

Vitality Squares

5JOHN HANCOCK VITALITY

Page 8: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Follow Bob through his first year with the John Hancock Vitality PLUS Program.

It’s easy to get started!

Bob’s application is approved and he receives a Welcome Kit from John Hancock.

Bob completes his online Vitality Health Review and has a Vitality Age of 46.

Congratulations! Bob has reached Gold Status!

Bob gets a great discount from Hotels.com and takes his family away for a surprise long weekend.

Bob manages stress by meditating regularly using his free subscription to Headspace.

Bob, 43, buys John Hancock Vitality PLUS life insurance because he wants to protect his family and likes the idea of being rewarded for healthy living. GOLD

46

6 JOHN HANCOCK VITALITY

Page 9: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

Bob’s underwriting information is uploaded and he earns 3,000 points for having good biometric results.

Bob orders his Apple Watch for an initial payment of $25.

Bob starts walking more and quickly reaches a Silver Status!

He joins a local gym and tracks his activities with the Vitality mobile app.

Bob is notified by email when he earns points for working out.

With the HealthyFood benefit, Bob saves $100 at the grocery store.

3,000 SILVER

Bob finishes the year 10 pounds lighter and with a reduced Vitality Age of 43. By achieving Gold Status, he’s also earned premium savings and rewards for the year ahead.

43

7JOHN HANCOCK VITALITY

Page 10: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

48 JOHN HANCOCK VITALITY

Two great companies, delivering value for you

About VitalityTo help in your pursuit of a longer, healthier life, John Hancock is

working with Vitality, the global leader in integrating wellness benefits

with life insurance products. Vitality has an established track record of

creating interactive, personalized programs that make a real difference

to people’s health. Millions of Vitality members worldwide use their

online tools to identify and track health and lifestyle goals and earn

rewards along the way.

Strength. Stability. John Hancock.John Hancock is among the highest-rated companies for financial strength

and stability as demonstrated by its A+ rating from A.M. Best.* Financial

strength ratings are a comprehensive measure of a company’s financial

strength and stability, and are important as they reflect a life insurance

company’s ability to pay claims in the future. With over 155 years of

experience, John Hancock offers clients a diverse range of insurance

products and services through its extensive network of employees, agents,

and distribution partners. For more information on this or other life

insurance products, please contact your insurance agent.

*Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of September 30, 2019, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company's financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength rat-ings from other rating agencies. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.

8 JOHN HANCOCK VITALITY

Page 11: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,
Page 12: Life insurance that rewards healthy living...IT’S EASY AND FUN Earn Vitality Points You’ll earn Vitality Points for the everyday things you do to be healthy, like walking, exercising,

To get started earning rewards and savings, visit JohnHancockInsurance.com.

Vitality Rewards may vary based on the type of insurance policy purchased for the insured.Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.For the purposes of this guide it is assumed that you are both the policy owner and the life insured. If you are not both the policy owner and the life insured, the discounts, rewards, and Fitbit will be provided only to the life insured to encourage participation in the program. Status is attained based on the actions of the life insured only.Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy.Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. MLI101119107

1. Insurance policies and/or associated riders and features may not be available in all states.2. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.3. For John Hancock Protection Term with the optional Vitality rider, the cost for Vitality PLUS is 3% of your annual premium. For survivorship policies the charge is $4.00 a month.4. Please consult your financial representative as to how premium savings may affect the policy you purchase. Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.5. Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, certain bands and case materials. For more information, please visit www.JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.6. The HealthyFood benefit is available on qualifying purchases in the first year in the Vitality Program. In subsequent years HealthyFood savings apply to members who earn Gold or Platinum Status in the Vitality Program.7. The meditation portion of the program is compatible with apps such as Breathe, Buddhify, Calm and Headspace.8. Based on John Hancock Vitality member experience since inception in US, April 2015.9. BusinessInsider.com, Here’s how much the average American walks every day, July 2015, accessed from: http://www.businessinsider.com/heres-howmuchthe- average-american-walks-every-day-2015-7. 13.10. Based on internal data from Headspace.com, About Us, accessed from: https://www.headspace.com/about-us.11. Restrictions apply, see Amazon.com/GC-legal.12. Available to Vitality members who have reached Platinum Status for 3 consecutive program years.The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage.